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UPS Retirement Topics
Teamcare Retiree Insurance Doesn't Pay If Spouse is Disabled
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<blockquote data-quote="scratch" data-source="post: 5518139" data-attributes="member: 1674"><p>We went to Local 728 today and the Insurance Representative helped us write our second and final appeal to Teamcare. Our search for legal advice was fruitless, we got passed from office to office. Lawyers don't want to mess with national union insurance companies. One finally told us it would cost more to sue Teamcare than what it would cost to just pay them off. So it looks like insurance companies can pretty much do anything they want. Pre-existing medical conditions under the Affordable Care Act have no meaning to Teamcare Retiree Insurance. Teamcare knew my wife qualified for Medicare in 2001 and gave her the option to stay in Teamcare. Once I retired in 2020, they took monthly premiums out of my pension for her and Teamcare pre-approved every single medical expense. Then, they decided none of that counted. It would have been nice for them to kick her out the month I actually retired, Medicare with a supplement is better insurance than Teamcare and it cost her $170 a month now. My options right now is to hope for a miracle with the appeals board and if that doesn't work hope we can pay off the last two years of medical costs with a cash discount instead of the $44K amount.</p></blockquote><p></p>
[QUOTE="scratch, post: 5518139, member: 1674"] We went to Local 728 today and the Insurance Representative helped us write our second and final appeal to Teamcare. Our search for legal advice was fruitless, we got passed from office to office. Lawyers don't want to mess with national union insurance companies. One finally told us it would cost more to sue Teamcare than what it would cost to just pay them off. So it looks like insurance companies can pretty much do anything they want. Pre-existing medical conditions under the Affordable Care Act have no meaning to Teamcare Retiree Insurance. Teamcare knew my wife qualified for Medicare in 2001 and gave her the option to stay in Teamcare. Once I retired in 2020, they took monthly premiums out of my pension for her and Teamcare pre-approved every single medical expense. Then, they decided none of that counted. It would have been nice for them to kick her out the month I actually retired, Medicare with a supplement is better insurance than Teamcare and it cost her $170 a month now. My options right now is to hope for a miracle with the appeals board and if that doesn't work hope we can pay off the last two years of medical costs with a cash discount instead of the $44K amount. [/QUOTE]
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